Tune in to our fourth episode of AD&Conversations with Kevin Lin and Eknath Belbase, our product lead for our Climate model. In this episode, they discuss the new Climate Impact Suite (CIS) pilot project, and Belbase outlines several challenges the team is navigating, including:

• Helping users become familiar with climate-related casualty data

• Identifying the most suitable scenarios to use

• Determining the best way to visualize the results

Andrew Davidson was invited to speak on Equifax's Market Pulse Podcast titled, "Driving Efficiency and Resilience in the Mortgage Industry" live at the 2025 MBA Annual Convention in Las Vegas. 

Andy explains how variations in data files can distort risk assessment, creating a dual risk for lenders: extending credit to borrowers more likely to default while overcharging customers whose risk is overstated. 

Click here to learn more. 

Our latest Policy Perspective written by Richard Cooperstein offers an analysis of the U.S. housing and mortgage finance markets, focusing on key trends and forward-looking risks. While housing markets are not fully efficient, they do respond to economic imbalances which create opportunities and vulnerabilities. This article explores how demographic shifts, credit access, interest rates, and climate risks shape both housing demand and supply.

Key findings include:

• Weak demand fundamentals, especially among new homeowners
• Easing supply shortages and slowing price growth
• Elevated risk of broader housing price declines amid rising recession concerns
• Notable exposure of higher-coupon mortgages and servicing rights to interest rate and credit risks

Cooperstein also assess the resilience of mortgage-related assets under current and projected conditions.

Click here to read now!

Join Kevin Lin in a conversation with Richard Cooperstein as they dive into Kinetics, AD&Co's modular platform designed to deliver the full power of our models and analytics; with the flexibility to license only the tools you need. In this interview, they unpack insights from Eric Limjoco's recent Pipeline article, "Driving Sharper Insights with the Kinetics Reporting Engine,"  and share a sneak peek into what's coming with the Kinetics 2.0 release.

As a seasoned internal power user, Richard shares why this upgrade is an innovative enhancement for delivering comprehensive solutions across the mortgage space. 
 

The latest Policy Perspectives paper “Competing Claims in Privatization of Fannie Mae and Freddie Mac” is now available!

Nearly 20 years ago, on September 6, 2008, the GSEs, Fannie Mae and Freddie Mac entered conservatorship. Since that time there have been many proposals to restructure, eliminate or release the GSEs. Once again there is talk about the privatization of Fannie Mae and Freddie Mac.

Privatization faces many hurdles both political and financial. In his article, Andrew Davidson looks at some of the financial considerations and shows that any solution will require a compromise between competing financial claims.

Click here to read now!